Financials Capital One Financial Corporation

Equities

COF

US14040H1059

Consumer Lending

Real-time Estimate Cboe BZX Other stock markets 01:49:44 16/01/2026 am IST			5-day change	1st Jan Change
236.52 ^USD	+0.89%		-7.10%	-1.99%

13/01	Kane Brown, Parker McCollum, Riley Green, Shaboozey, Dylan Scott, Russell Dickerson, Gretchen Wilson, Chase Matthew and Lauren Alaina lead lineup for the 2026 iHeartCountry Festival presented by Capital One	RE
13/01	US Equity Indexes Rise, Gold Hits New Record, Dollar Slips After Justice Department Unveils Fed Probe	MT

Projected Income Statement: Capital One Financial Corporation

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	28,523	30,435	34,250	36,787	39,112	53,372	63,315	66,710
Change	-	6.7%	12.53%	7.41%	6.32%	36.46%	18.63%	5.36%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	13,467	13,865	15,087	16,471	17,626	25,098	30,651	33,330
Change	-	2.96%	8.81%	9.17%	7.01%	42.39%	22.13%	8.74%
Interest Paid ¹	-	-1,598	-4,123	-12,697	-14,826	-15,793	-15,726	-15,339
Earnings before Tax (EBT) ¹	3,203	15,809	9,240	6,045	5,910	3,070	14,399	17,349
Change	-	393.57%	-41.55%	-34.58%	-2.23%	-48.05%	368.94%	20.49%
Net income ¹	2,375	11,965	7,044	4,582	4,445	2,120	10,856	13,137
Change	-	403.79%	-41.13%	-34.95%	-2.99%	-52.3%	412.06%	21.02%
Announcement Date	26/01/21	25/01/22	24/01/23	25/01/24	21/01/25	-	-	-

¹USD in Million

Estimates

Fiscal Period: December	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4	2027 Q1	2027 Q2	2027 Q3
Net sales ¹	7,337	7,113	7,374	7,830	8,118	8,173	8,232	8,805	9,040	8,903	9,012	9,366	9,506	9,402	9,506	10,014	10,190	10,000	12,492	15,359	15,466	15,445	15,670	16,090	16,270	16,232	16,610	17,014
Change	-	-3.05%	3.67%	6.18%	3.68%	0.68%	0.72%	6.96%	2.67%	-1.52%	1.22%	3.93%	1.49%	-1.09%	1.11%	5.34%	1.76%	-1.86%	24.92%	22.95%	0.7%	-0.14%	1.46%	2.68%	1.12%	-0.23%	2.32%	2.43%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	3,328	3,373	3,408	3,644	3,440	3,622	3,649	3,856	3,960	3,958	4,218	4,506	3,789	4,265	4,560	4,700	4,101	4,098	5,501	7,096	7,299	7,269	7,597	7,750	7,744	8,022	8,379	8,526
Change	-	1.35%	1.04%	6.92%	-5.6%	5.29%	0.75%	5.67%	2.7%	-0.05%	6.57%	6.83%	-15.91%	12.56%	6.92%	3.07%	-12.74%	-0.07%	34.24%	28.99%	2.86%	-0.41%	4.52%	2.01%	-0.07%	3.59%	4.44%	1.76%
Charge d'intérêts ¹	-	-439	-396	-382	-381	-387	-578	-1,197	-1,961	-2,568	-3,053	-3,450	-3,626	-3,689	-3,734	-3,784	-3,619	-3,405	-3,833	-4,359	-4,196	-3,889	-3,915	-3,990	-3,932	-3,876	-3,846	-3,863
Earnings before Tax (EBT) ¹	3,064	4,196	4,568	3,986	3,059	2,945	2,564	2,187	1,544	1,163	1,728	2,222	932	1,582	651	2,218	1,459	1,729	-5,929	4,382	2,962	3,604	3,858	4,054	3,251	4,506	4,358	4,456
Change	-	36.95%	8.87%	-12.74%	-23.26%	-3.73%	-12.94%	-14.7%	-29.4%	-24.68%	48.58%	28.59%	-58.06%	69.74%	-58.85%	240.71%	-34.22%	18.51%	-442.91%	173.91%	-32.42%	21.71%	7.03%	5.07%	-19.81%	38.62%	-3.29%	2.26%
Net income ¹	2,462	3,236	3,446	2,987	2,296	2,318	1,949	1,616	1,161	887	1,351	1,705	639	1,200	531	1,692	1,022	1,325	-4,340	3,086	2,132	2,653	2,884	3,082	2,467	3,271	3,325	3,541
Change	-	31.44%	6.49%	-13.32%	-23.13%	0.96%	-15.92%	-17.09%	-28.16%	-23.6%	52.31%	26.2%	-62.52%	87.79%	-55.75%	218.64%	-39.6%	29.65%	-427.55%	171.11%	-30.93%	24.47%	8.69%	6.88%	-19.96%	32.58%	1.65%	6.49%
Announcement Date	26/01/21	27/04/21	22/07/21	26/10/21	25/01/22	26/04/22	21/07/22	27/10/22	24/01/23	27/04/23	20/07/23	26/10/23	25/01/24	25/04/24	23/07/24	24/10/24	21/01/25	22/04/25	22/07/25	21/10/25	-	-	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: Capital One Financial Corporation

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt ¹	35,831	21,340	17,859	6,559	2,321	33,213	33,073	32,926
Change	-	-40.44%	-16.31%	-63.27%	-64.61%	1,330.98%	-0.42%	-0.44%
Announcement Date	26/01/21	25/01/22	24/01/23	25/01/24	21/01/25	-	-	-

¹USD in Million

Estimates

Cash Flow Forecast: Capital One Financial Corporation

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	887	710	698	934	961	1,204
Change	-	-19.95%	-1.69%	33.81%	2.89%	25.29%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	20/02/20	25/02/21	25/02/22	24/02/23	23/02/24	20/02/25

¹USD in Million

Estimates

Forecast Financial Ratios: Capital One Financial Corporation

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-
EBIT Margin (%)	47.21%	45.56%	44.05%	44.77%	45.07%	47.03%	48.41%	49.96%
EBT Margin (%)	11.23%	51.94%	26.98%	16.43%	15.11%	5.75%	22.74%	26.01%
Net margin (%)	8.33%	39.31%	20.57%	12.46%	11.36%	3.97%	17.15%	19.69%
FCF margin (%)	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-
Profitability
ROA	0.66%	2.92%	1.67%	1.04%	0.99%	0.83%	1.69%	1.91%
ROE	4.49%	21.01%	14.01%	9.1%	8.08%	14.45%	10.92%	12.95%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	37.09	33.51	42.39	-	-	-	-	-
Change	-	-9.65%	26.5%	-	-	-	-	-
Dividend per Share ¹	1	2.6	2.4	2.4	2.4	2.587	3.24	3.454
Change	-	160%	-7.69%	0%	0%	7.78%	25.26%	6.6%
Book Value Per Share ¹	131.2	147.4	137.9	152.7	159.5	172.8	183.3	195.4
Change	-	12.42%	-6.47%	10.73%	4.42%	8.37%	6.07%	6.59%
EPS ¹	5.18	26.94	17.91	11.95	11.59	3.662	17.75	23.48
Change	-	420.08%	-33.52%	-33.28%	-3.01%	-68.4%	384.79%	32.27%
Nbr of stocks (in thousands)	4,57,397	4,25,622	3,81,699	3,80,847	3,81,510	6,35,734	6,35,734	6,35,734
Announcement Date	26/01/21	25/01/22	24/01/23	25/01/24	21/01/25	-	-	-